Regardless of fault in an accident, your auto/motorcycle insurance policy will pay for your medical expenses up to your policy limits. After that, you can collect against your health insurance, subject to your deductible. Your motorcycle insurance will pay all medical costs so long as they remain within your policy limits. If you exceed those limits, your health insurance will pay subject to any conditions of your policy.
Some health policies require copays or might pay only a percentage of some costs. Further, almost all health insurance policies have what is known as a subrogation clause. What that clause means is that if the other driver is at fault and you can recover compensation for your damages from that driver or his auto insurer, you must reimburse your health insurer for payouts they made for your medical expenses.
If your medical expenses will exceed your motorcycle policy coverage limits, you should put your two insurance companies in touch so that they can coordinate on payments and any subrogation issues. Your Atlanta motorcycle accident lawyer can help you do this.
